Headquartered in Tulsa, Oklahoma, Employees Federal Credit Union is a federal credit union with $46.8M in total assets and $42.6M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1954.
Based on its Q2 2026 filing, Employees Federal Credit Union scores 55/100, which we describe as moderate. That is higher than only 15% of 2,479 credit unions with under $100 million in assets. Among 52 credit unions headquartered in Oklahoma, it ranks 45th. Its strongest component is funding & liquidity (94/100; 66% loans-to-deposits, 3% uninsured), and its lowest is earnings (30/100; 0.25%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 21 points (34 → 55), mostly because the loan quality component improved by 67 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 35 |
| Q3 2024 | 30 |
| Q4 2024 | 32 |
| Q1 2025 | 33 |
| Q2 2025 | 34 |
| Q3 2025 | 34 |
| Q4 2025 | 35 |
| Q1 2026 | 48 |
| Q2 2026 | 55 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.08% |
| Q3 2024 | 8.48% |
| Q4 2024 | 8.41% |
| Q1 2025 | 8.24% |
| Q2 2025 | 8.35% |
| Q3 2025 | 8.31% |
| Q4 2025 | 8.29% |
| Q1 2026 | 8.16% |
| Q2 2026 | 8.54% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 2.56% |
| Q3 2024 | 5.57% |
| Q4 2024 | 4.18% |
| Q1 2025 | 3.18% |
| Q2 2025 | 3.57% |
| Q3 2025 | 3.21% |
| Q4 2025 | 3.34% |
| Q1 2026 | 1.42% |
| Q2 2026 | 0.98% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.08% |
| Q3 2024 | 0.01% |
| Q4 2024 | 0.04% |
| Q1 2025 | 0.18% |
| Q2 2025 | 0.20% |
| Q3 2025 | 0.15% |
| Q4 2025 | 0.21% |
| Q1 2026 | -0.08% |
| Q2 2026 | 0.25% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 55 | $46.8M | 8.54% | 0.98% | 0.25% | 65.8% |
| Q1 2026 | 48 | $48.1M | 8.16% | 1.42% | -0.08% | 60.8% |
| Q4 2025 | 35 | $47.5M | 8.29% | 3.34% | 0.21% | 61.5% |
| Q3 2025 | 34 | $47.7M | 8.31% | 3.21% | 0.15% | 61.8% |
| Q2 2025 | 34 | $47.4M | 8.35% | 3.57% | 0.20% | 60.9% |
| Q1 2025 | 33 | $47.6M | 8.24% | 3.18% | 0.18% | 58.7% |
| Q4 2024 | 32 | $46.4M | 8.41% | 4.18% | 0.04% | 59.7% |
| Q3 2024 | 30 | $45.8M | 8.48% | 5.57% | 0.01% | 56.2% |
| Q2 2024 | 35 | $47.8M | 8.08% | 2.56% | -0.08% | 56.6% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Fire Fighters Credit UnionCredit union Tulsa, OK | 77 out of 100, Strong | $45.4M | 20.7% | 1.39% | vs |
| Saint Francis Employees Federal Credit UnionCredit union Tulsa, OK | 92 out of 100, Very strong | $44.7M | 15.9% | 0.20% | vs |
| Bison Federal Credit UnionCredit union Shawnee, OK | 86 out of 100, Very strong | $42.5M | 15.3% | 0.39% | vs |
| Credit Union One of OklahomaCredit union Oklahoma City, OK | 64 out of 100, Moderate | $39.9M | 14.9% | 1.75% | vs |
| Fraternal Order of Police Federal Credit UnionCredit union Tulsa, OK | 80 out of 100, Strong | $56.7M | 12.4% | 0.50% | vs |
| Comanche County Federal Credit UnionCredit union Lawton, OK | 96 out of 100, Very strong | $36.4M | 18.8% | 0.00% | vs |
Deposit insurance
Is my money safe at Employees Federal Credit Union?
Yes. Employees Federal Credit Union is a federally insured credit union (NCUA charter #9715). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 3.3% of shares and deposits ($1.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 8.54%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Employees Federal Credit Union lists 1 office in 1 city. Most locations:
- Tulsa, OK (1)
Identity & history
Profile
- Legal name
- Employees Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 9715
- RSSD ID
- 910480
- Primary regulator
- NCUA
- Established
- 1954
- Headquarters
- 1120 W 17th St, Tulsa, OK 74107
- Employees
- 19
Quick answers
Employees Federal Credit Union: common questions
Is Employees Federal Credit Union NCUA insured?
Yes. Employees Federal Credit Union is a federally insured credit union (NCUA charter #9715). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Employees Federal Credit Union's TellerScore?
55 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Employees Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Tulsa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Bank of OwassoBank Owasso, OK | 93 out of 100, Very strong | $639.3M | 15.7% | 0.01% | vs |
| Saint Francis Employees Federal Credit UnionCredit union Tulsa, OK | 92 out of 100, Very strong | $44.7M | 15.9% | 0.20% | vs |
| The First National Bank and Trust Company of Broken ArrowBank Broken Arrow, OK | 89 out of 100, Very strong | $269.5M | 16.4% | 0.14% | vs |
| International Bank of CommerceBank Oklahoma City, OK | 88 out of 100, Very strong | $1.6B | 15.5% | 0.66% | vs |
| United Members Federal Credit UnionCredit union Tulsa, OK | 87 out of 100, Very strong | $10.4M | 18.6% | 0.15% | vs |
| Bank 7Bank Oklahoma City, OK | 86 out of 100, Very strong | $1.9B | 13.9% | 0.39% | vs |